COCA Card vs Wirex Card
Crypto native
Crypto native
Verdict
- COCA Card and Wirex Card have the same overall score (6.4/10).
- COCA Card is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
COCA Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Cashback & rewards
Wirex Card is a good fit for
- Stablecoin holders
- Frequent travellers
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | COCA Card | Wirex Card |
|---|---|---|
| Fees | – | 100 |
| Cashback & rewards | 51 | 26 |
| Availability | 100 | – |
| FX & international | – | 100 |
| Product features | 70 | 70 |
| Custody & security | 80 | – |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | 64 |
| Transparency | 100 | 93 |
| Best for Cashback | 6.0 | 5.2 |
| Best for Travel | n/a | 7.9 |
| Best for Self-Custody | 6.8 | n/a |
| Best for DeFi Users | 6.1 | 5.6 |
| Best for Stablecoins | 6.2 | 7.4 |
| Best for High Spenders | 5.2 | 5.8 |
| Best for Low Fees | n/a | 9.4 |
| Best for Beginners | 7.6 | 7.1 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Debit cardShow source
Network
VisaShow source
Visa / MastercardConditions apply: tap or hover for detailsShow source
Visa or Mastercard depending on region
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
MPC wallet powered by Privy
Tiers / plans
Starter (0 COCA) · Standard (300) · Standard+ (1,000) · Premium (3,000) · Premium+ (10,000) · Elite (30,000)Show source
Standard · Premium · EliteConditions apply: tap or hover for detailsShow source
Each plan has Entry tier plus WXT-lock boost tiers (Enhanced/Ultimate)
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
No annual card fee; paid X-tras plans are billed monthly
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year
Physical card fee
$5Conditions apply: tap or hover for detailsShow source
Starter to Standard+; free from Premium
FreeConditions apply: tap or hover for detailsShow source
Card issuance free in all regions; delivery fee separate (EEA: 5 EUR untracked, 15 EUR DHL Express)
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
As stated on this help article
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
SEPA (EUR) bank transfer deposit free; local card funding 0% or more depending on currency/country
ATM fee
2%Conditions apply: tap or hover for detailsShow source
EEA: after 200 EUR free monthly
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
EEA, per month
Other fees & markups
Card delivery fee in EEA: 5 EUR (DHL WorldMail, untracked) or 15 EUR (DHL Express) · Crypto transfers to external wallets: variable network-based fees · Local card top-up: 0% or more depending on currency and country · One-off GBP 30 administrative fee on account closure for Terms of Service violationsShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Starter tier, no COCA staked
0.5%Conditions apply: tap or hover for detailsShow source
Standard plan, Entry tier
Max cashback
8%Conditions apply: tap or hover for detailsShow source
Elite tier: 30,000 COCA staked (about $47,000)
8%Conditions apply: tap or hover for detailsShow source
Elite plan (€29.99/month) at the Ultimate WXT-lock tier
Cashback paid in
Stablecoins (claimed into the USD or EUR account)Show source
WXTShow source
Cashback type
StablecoinShow source
CryptoConditions apply: tap or hover for detailsShow source
Cryptoback rewards program
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
Variable APY on USD balances; EUR balances earn none
Max cashback per month
$15/monthConditions apply: tap or hover for detailsShow source
Monthly claim capacity, Starter; up to $350 at Elite (tier bonus + 1 USD per 100 COCA staked); unclaimed rewards carry over
Cashback conditions
Rewards stay pending for 14 days before they can be claimed · Monthly claim capacity: $15 (Starter) to $350 (Elite) · 50% back on 1 to 4 subscription categories from Standard tier · No cashback on ATM withdrawals, cash and quasi-cash, government payments and excluded MCCsShow source
Standard Enhanced 1%: lock 150,000 WXT for 180 days · Premium (€9.99/month): 1% Entry, 2% with 250,000 WXT, 3% with 750,000 WXT locked · Elite (€29.99/month): 4% Entry, 6% with 1,500,000 WXT, 8% with 7,500,000 WXT lockedShow source
Staking / holding required for top rewards
YesShow source
YesConditions apply: tap or hover for detailsShow source
Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)
Staking asset
COCAShow source
WXTShow source
Capital required for top rewards
$47,000Conditions apply: tap or hover for detailsShow source
30,000 COCA (approximate value stated by COCA) for the 8% Elite tier
Reward exclusions
Cash withdrawals · TransfersShow source
Credit & financing
Credit line
NoShow source
NoConditions apply: tap or hover for detailsShow source
debit card
Availability
Available in
AD, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, GI, Greece, GG, Hungary, Iceland, Ireland, IM, Italy, JE, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, MD, MC, ME, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Australia, AZ, GE, Hong Kong, Israel, Japan, KZ, MO, Malaysia, New Zealand, OM, Philippines, Saudi Arabia, South Korea, TW, Thailand, United Arab Emirates, UZ, GH, Kenya, Nigeria, South Africa, UG, Argentina, Brazil, Chile, Colombia, EC, SV, Mexico, PA, PeruConditions apply: tap or hover for detailsShow source
Residents, regardless of nationality
Account / spend currencies
USD · EURShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
EUR accounts for residents of 28 European countries (app 3.0.0+)
Features
Apple Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
YesShow source
Annual cost at 1,500 EUR/month
COCA Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+161 EUR
- Net annual valuenot enough data
Wirex Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value90 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers